Best Online Shopping Credit Cards in Singapore (2023)

Online shopping a way of life for you? Then add these credit cards to cart, pronto.

The best thing about online shopping is that you can refresh your wardrobe or gadget stash without contending with the downtown crowd and the commute. And with the heightened anticipation from the delivery, it makes the unboxing of your new loot all the more satisfying. 

With so many online shopping and e-commerce sites that cover everything from food, fashion, travel, cosmetics, gadgets and even groceries, everything you could ever want is at the touch of your fingertips. However, to shop online like a pro, make sure you’re using the right credit card to really maximise your online spending. You could be missing out on some big cash rebates, rewards or even bonus miles! Here are the best credit cards in Singapore for online shopping right now.

Best for shopping rewards redemption: Citibank Rewards
Best for easy 8% cashback: UOB EVOL Card
Best for e-Commerce shopping: OCBC Titanium
Best for highest cashback rate: CIMB Visa Signature
Best for online food delivery: OCBC 365
Best for online and offline buys: DBS Live Fresh
Best for unlimited cashback: UOB Absolute Cashback Card

Best credit cards for online shopping
Best for	Best credit card	Benefits
Shopping rewards redemption	Citi Rewards Card	4 miles per dollar on online spend
Easy 8% cashback	UOB EVOL Card	8% cashback on online spend and mobile contactless spend
Unlimited cashback	UOB Absolute Cashback Card	1.7% cashback on all spend
Highest cashback rate	CIMB Visa Signature Card	10% cashback
Online and offline buys	DBS Live Fresh Card	5% cashback on online & Visa contactless spend; extra 5% on select sustainable spend
e-Commerce shopping	OCBC Titanium  Rewards Card	4 miles per dollar on top e-commerce sites
Online food delivery	OCBC 365 Card	5% cashback

Best for shopping rewards redemption: Citi Rewards Card

If your ideal kind of day is spent shopping online at home, then the Citibank Rewards Card is for you. 

This is one of the cards that gives the highest reward points: 10 Rewards points (4 miles for every $1) for online spend, both overseas and locally. The best part? No minimum spend is required. Your Rewards points can either be used to offset payment for purchases or to redeem from a catalogue of Citi ThankYou rewards that include various merchandises and travel. 

The monthly cap is set at 9,000 bonus Rewards points per statement month (equivalent to S$1,000 per month for online shopping). Meanwhile, base Rewards points have no cap whatsoever. So if you’re an online shopping fiend and spend over S$1,000 per month, you earn only 1 Reward point for every S$1 spent after the cap is reached.

Also, take note, Rewards points aren’t offered on travel-related transactions so don’t book your flight tickets and hotel stays using this card. Check out the full exclusions here.

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Best for easy 8% cashback: UOB EVOL Card

If you enjoy buying anything and everything online as well as adore the cashless lifestyle, the UOB EVOL Card is your BFF. 

The main highlight of this easy-to-use credit card is that you get to enjoy a high 8% cashback on all your online spend and mobile contactless spend made via Apple Pay, Google Pay, Samsung Pay or Fitbit Pay.

It's really as simple as that so long as you meet the decently achievable minimum spend requirement of S$600 per statement month to earn the maximum cash back.

As there is a cap of S$60 per statement month split across the categories, you may need to track your spending.

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Best for unlimited cashback: UOB Absolute Cashback Card  

If you just want a simple, hassle-free cashback card that has no lid on how much you can get back, the UOB Absolute Cashback Card is the card to get. 

It offers the most straightforward cashback rate: 1.7% cashback on everything! If you think 1.7% sounds low, keep in mind there is no minimum spending requirements or cashback caps.  This is ideal for those who don’t have time to keep track and split expenses across multiple cards (who does?).

With the unlimited cashback in mind, the best time to get hold of this credit card is when you’re anticipating a big-ticket online purchase, such as household appliances, furniture or electronic gadgets. 

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Best for high cashback rate: CIMB Visa Signature Card

While the UOB Absolute Cashback Card offers limitless cashback with a relatively low 1.7%, the CIMB Visa Signature card is quite the opposite: it accelerates your online shopping gains with the highest cashback at 10%. But online shopping itself is a wide spectrum, and it includes groceries; if this category takes up a significant portion of your monthly expenditure, it is highly recommended that you charge it to this card too. 

Another major benefit of the CIMB Visa Signature Card is that principal cardholders enjoy a lifetime fee waiver of annual fees.

Be sure to spend a minimum of S$800 per month to qualify for the 10% cashback, which is capped at S$100 per statement month, split into S$20 per category.

As stated in the exclusions, the cashback applies strictly to online shopping, which means your brick-and-mortar retail spends only get you 0.2%.

See also: Credit Card Annual Fee Waiver Guide

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Best for online and offline buys: DBS Live Fresh Card

Fashionistas, you can do no wrong if you carry DBS Live Fresh into your online shopping spree. Whether you’re shopping for your next great #OOTD ensemble, the latest sneaker release or beauty/grooming products, you enjoy 5% cashback on all qualifying online purchases. 

But that’s just one of the twin engines of cashback earning; all your Visa contactless (PayWave) payments during physical shopping (not limited to retail) also gets you 5% cashback.

To encourage more to go green, cardmembers can look forward to earning an additional 5% cashback on select eco-friendly merchants – that brings the maximum possible cashback to 10%!

All other spending earns 0.3%. In a month, assuming you hit the minimum qualifying spend of S$600, you could earn up to a total of S$75 cashback.

DBS has the occasional credit card promotion whereby you earn higher cashback rate on selected categories of spending, or when you hit certain spending goals. So keep a lookout for those.

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Best for e-Commerce shopping: OCBC Titanium Rewardxs Card

OCBC Titanium Rewards Card Blue	OCBC Titanium Rewards Card Pink
Apply Now - Blue	Apply Now - Pink

If retail and online shopping are high on your agenda, then the OCBC Titanium Card is the card to shop with.

It gives 50 OCBC$ for every S$5 spent on shopping categories (i.e. 10 OCBC$ per dollar or 4 miles per dollar). Examples include duty-free stores, department stores, clothing stores, shoes and bags stores and babies and children’s wear. 

Fans of Shopee, Taobao, Ezbuy, Lazada, Qoo10, Amazon, Alibaba, AliExpress, Daigou, Mustafa Centre and Courts can also look forward to racking up rewards quickly with this credit card.

That's not all. You can also earn an additional 2% cash rebate if you are shopping at BEST Denki.

Another perk? With complimentary e-Commerce Protection, the card safeguards you against non-delivery or defective goods for all online purchases charged to the credit card.

Do note that the bonus cap is 10,000 OCBC$ per calendar month or S$1,110 per calendar month.

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Best for online food delivery: OCBC 365 Card

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If your idea of online shopping involves ordering a feast from your favourite delivery platforms, the OCBC 365 Credit Card rewards you for that with 6% cashback on the likes of Deliveroo, GrabFood and foodpanda.

The icing on the cake is that it offers a slightly higher than average cashback cap of S$80 per month, assuming you spend at least S$800 per calendar month. 

Besides the 5% cashback on online food deliveries (as well as dining in general), you’ll also get to enjoy an array of cashback privileges on other online spending categories, most notably the 3% on groceries, private hire rides and recurring telco and electricity bills, pharmacy purchases, streaming subscription and electric vehicle charging fees.

For those who drive, the OCBC 365 also comes with fuel perks: up to 22.92% fuel savings at Caltex (including 18% instant discount for all fuel), up to 21.04% fuel savings at Esso, and 5% cashback on fuel spend at all other petrol service stations!

SingSaver Exclusive Offer: Enjoy 3x chances to win your share of up to S$200,000 in prizes in our epic 101! Milestone Giveaway, including S$5,000 bonus cash each week on top of ongoing promotions. Valid till 20 December 2023. T&Cs apply. Click here to check out our past Lucky Draw winners!

For OCBC 365 Card Only: Receive a Dyson Supersonic hair dryer (worth S$699), or Apple iPad 9th Gen 10.2 Wifi 64GB (worth S$503.65), or a Nintendo Switch OLED (worth S$549) or S$250 Upsized Cash via PayNow + S$100 eCapitaVoucher when you make a min. spend S$500 within 30 days of card approval. Valid till 20 December 2023. T&Cs apply.

For OCBC INFINITY Cashback, OCBC Titanium Rewards, OCBC 90°N Mastercard and Visa Cards Only: Receive an Apple AirPods Gen 3 + MagSafe Charger bundle (worth S$330.50) or Samsonite Volant Spinner 68/25 EXP + 2x Apple AirTag Travel Bundle (worth S$570) or S$300 eCapitaVoucher or S$280 Upsized Cash via PayNow when you make a min. spend of S$500 within 30 days of card approval. Valid till 7 January 2024. T&Cs apply.

Our Best Deal Guarantee promises you the best deal only with SingSaver. If you find a better offer elsewhere, submit a claim, and we'll reward you with double the difference. Valid till 7 January 2024. T&Cs apply.

Pick your OCBC Credit Card now!

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